Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
, this post may contain references to products from our partners. Here's an explanation of
. Our content is backed by
Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
3.1
Rating: 3.1 stars out of 5
Bankrate Score
Score breakdown
Home
Rating: 2.9 stars out of 5
2.9
Cost & ratings
Rating: 1.67 stars out of 5
1.7
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4 stars out of 5
4.0
Auto
Rating: 3.2 stars out of 5
3.2
Cost & ratings
Rating: 3.8 stars out of 5
3.8
Coverage
Rating: 2.5 stars out of 5
2.5
Support
Rating: 2.5 stars out of 5
2.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Bankrate’s Wawanesa insurance review is generally positive, though the company lacks some modern conveniences like a mobile app or an online chat feature. Wawanesa consistently earns high J.D. Power customer satisfaction ratings, making it a carrier of choice for California homeowners and drivers.
AM Best rating of A+ (Superior)
Offers a full line of property and casualty insurance
Only available in California
Auto insurance underwriting geared toward policyholders with clean driving histories
Auto
Avg. annual premium for full coverage
$2,954
Avg. annual premium for min coverage
$932
Home
Avg. annual premium for $300k dwelling coverage
N/A
New
What’s new with Wawanesa?
Wawanesa is now a subsidiary of the Automobile Club of Southern California (AAA). The acquisition was announced on August 1, 2023, and finalized on March 31, 2024. Wawanesa says that customer policies, including coverage, discounts, payment schedules and payment methods, will remain unchanged.
Originally, Wawanesa was available to both California and Oregon residents. In 2023, it paused issuing new policies in Oregon. Existing Oregon policyholders are able to maintain their coverage. In 2024, the company announced that it “plans to reevaluate our Oregon programs this year.” The company says that if they choose not to remain in Oregon, they will provide advance notice to current members in the state.
Wawanesa car insurance review
Wawanesa has a Bankrate Score of 3.2 out of 5.0, as it lacks some of the things that the best car insurance companies tend to have, like a mobile app, local agencies and 24/7 customer support. On the plus side, it holds a solid financial stability rating from AM Best of A+ (Superior).
Wawanesa insurance is currently only offered in California. In addition to state-required coverage like bodily injury and property damage liability, drivers may include special vehicle equipment coverage to insure aftermarket customizations and equipment added to the vehicle. You may also opt for coverage that assures repairs and replacements are completed with original equipment manufacturer (OEM) parts instead of standard or aftermarket parts in the case of a covered accident.
Pros and cons of Wawanesa car insurance
When comparing car insurance quotes, it’s important to consider what a carrier offers through its policies as well as through its service. Here are some quick pros and cons of Wawanesa car insurance:
Pros
Online claims filing
Roadside assistance available
Cons
No mobile app for policy management
Customer service not available 24/7
Wawanesa car insurance cost
Drivers with Wawanesa pay an average of $2,954 per year for full coverage and $932 per year for minimum coverage, according to rates from Quadrant Information Services. The average cost of full coverage auto insurance with Wawanesa is 10 percent more than the national average cost of full coverage car insurance, which is $2,685 per year and 16 percent more than the national average cost of minimal insurance, which is $800 per year. However, because car insurance rates vary by individual and car insurance carrier, your actual rate could be higher or lower depending on rating factors like your driving record, vehicle make and model and more.
How much is Wawanesa car insurance?
Auto insurers evaluate and weigh multiple factors to determine car insurance rates. Driving history plays a significant role in the cost of your policy. Drivers with accidents and moving violations tend to pay more for coverage. See the table below for examples of how your driving record can impact your car insurance rates with Wawanesa compared to the national average.
Young and newly licensed drivers face some of the most expensive car insurance rates compared to all age groups. Car insurance for teen drivers is particularly expensive, as teen drivers are more likely to be involved in car accidents. According to the Insurance Institute for Highway Safety, the fatal crash rate for 16- to 19-year-olds is almost three times higher than for drivers over the age of 20. The rates below show the average cost of car insurance for a variety of age groups. All rates provided are based on a clean driving record.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Each insurance company sets its own underwriting guidelines, discounts and coverage options within what is permitted per state law. As a result, car insurance rates and benefits vary between carriers. Wawanesa's average car insurance rate is typically on the higher end of the spectrum when compared to other carriers, especially providers offering national coverage for a wide range of driving histories like Progressive and Nationwide. Refer to the table below to see how average auto insurance rates with Wawanesa rank compared to other car insurance companies.
To get a fuller view of insurance companies outside of rates, it can help to look at customer satisfaction ratings from third-party agencies like J.D. Power. Through a numerical customer satisfaction score, J.D. Power ranks companies on a 1,000-point scale. AM Best measures a company's financial stability and creditworthiness using a standard letter rating from A to D. These metrics can help you hone in on other important qualities of an ideal insurance company beyond affordability.
Wawanesa auto claims satisfaction
For multiple years in a row, Wawanesa came in number one per J.D. Power for customer satisfaction in California. But in the 2024 U.S. Auto Insurance Study, the company ranked below the regional average of 637 out of 1,000, earning a score of 628.
Wawanesa is not rated in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study or 2024 U.S. Insurance Digital Experience Study, however, likely due to its limited availability. AM Best provided Wawanesa an A+ (Superior) rating for financial strength.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.58 to 2.51.
End of interactive chart.
Wawanesa car insurance discounts
Cheap car insurance may be a priority for many. If you want to save on car insurance, adding discounts can help. A few key car insurance discounts that Wawanesa offers include:
Loyalty discount: If you stay insured with Wawanesa for one year without a lapse, this discount could be added to your policy at renewal.
Anti-theft discount: Features in your car like a GPS tracker or stolen vehicle recovery system could help you qualify for this discount.
Affinity discount: If you are a member of an affinity group partnered with Wawanesa, this discount could be added to your policy. A Wawanesa representative could help by providing you with a full list of accepted organizations.
Multiple policy discount: If you insure more than one policy with Wawanesa, this discount could be automatically added.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Wawanesa
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Wawanesa home insurance review
Like with its car insurance, Wawanesa home insurance is currently only offered in California. Its home insurance earned a 2.9 out of 5.0 Bankrate Score. Policyholders can up their policy limits under Wawanesa’s Special Limits Enhancements coverage, which includes options for personal property, watercraft and equipment, as well as extended replacement cost.
Wawanesa also offers other add-on home insurance coverage. This includes the option to schedule personal property for high-value items like artwork and jewelry that exceed the personal property maximum for special belongings. Homeowners worried about their personal information could also include identity fraud and home cyber protection coverage in their Wawanesa home insurance policy.
Pros and cons of Wawanesa homeowners insurance
If you’re considering Wawanesa home insurance, it helps to consider how the carrier could meet your home insurance requirements. Below is a quick summary of some of Wawanesa’s strengths and drawbacks:
Pros
Identity fraud and home cyber protection coverage available
Special Limits Enhancements package is a simple way to add more coverage to a standard home insurance policy
Discounts available to help make home insurance more affordable
Cons
Only available in California
Home insurance questionnaire can be started online, but a full quote is only available with a live agent over the phone
Base home insurance policy with Wawanesa is no-frills compared to other carriers, with enhanced coverage at an additional cost
Wawanesa home insurance cost
While average home insurance rates for Wawanesa are not available, the average cost of homeowners insurance throughout the nation is $2,285 per year for $300,000 in dwelling coverage, according to Bankrate’s research. California homeowners pay an average of $1,480 per year for the same amount of coverage. However, actual rates may vary depending on the age and construction materials of your home, square footage, claims history and more. If you want to compare cheap home insurance companies and are curious about how much a Wawanesa home insurance policy might cost, reach out to the company for a quote.
Wawanesa customer satisfaction
Just like for auto insurance, customer satisfaction and financial stability can help you understand more about a particular company. J.D. Power and AM Best are established as the go-to resources for both considerations in the insurance industry.
Wawanesa is not ranked in the J.D. Power 2024 U.S. Home Insurance Study, the 2025 U.S. Property Claims Satisfaction Study or the 2024 U.S. Insurance Digital Experience Study. This is not necessarily a reflection of its customer service, claims or digital tools; Wawanesa is a super-regional carrier and these studies focus on carriers with national availability.
AM Best updated Wawanesa’s ratings in April 2024 to A+ (Superior) for financial strength and aa- (Superior) for creditworthiness. Compared to prior ratings of C++ and b+, the upgrades may reflect the company’s new status as a subsidiary of AAA.
Wawanesa home insurance customer complaints
Similar to its auto complaints, Wawanesa scored low for home insurance complaints as well. In 2022, it received nearly two and a half times the number of complaints compared to the average for a company of similar size. These scores indicate that customers are generally dissatisfied with the level of service they receive from Wawanesa. However, over the years its complaint index has improved.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.81 to 2.23.
End of interactive chart.
Wawanesa home insurance discounts
While rate data on the average cost of homeowners insurance with Wawanesa is unavailable, the carrier does offer discount opportunities. Those who want to find the best options for coverage without breaking the bank may be able to take advantage of these savings opportunities with Wawanesa:
Non-smoker discount: If all residents in a home do not smoke, this unique discount could be added to the policy.
Sprinkler protection discount: This discount could be earned if the home has automatic sprinklers in the main areas, such as the kitchen and bedrooms, that help reduce fire risk.
Water alarm discount: If your home has a water leak detection device that has been professionally installed and has its own automatic shut-off valve, it could earn you another discount.
Burglar alarm discount: Homeowners with a connected theft alarm system could qualify for this discount.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Wawanesa
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Wawanesa with other insurers
Wawanesa may meet the needs of many drivers and homeowners, but it can be helpful to compare its home insurance and auto insurance offerings against other companies. Perhaps you’re looking for a carrier that has a bit more flexibility, for example. Comparing with other carriers can also give you an idea of what your preferences are. Below are some comparable insurers that might also offer what you need:
Featured
Wawanesa
Rating: 3.1 stars out of 5
3.1
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Wawanesa is a carrier of choice for California homeowners and drivers who value the ability to bundle insurance products. This carrier is limited to California and may not have the best price for drivers with a poor driving history.
AAA ranks above average in California in J.D. Power’s 2024 U.S. Auto Insurance Study. The carrier offers home and auto insurance, as well as many other products and travel solutions. Whereas Wawanesa is only available in California, AAA is available nationally through its different insurance groups for tailored coverage options. Since the Automobile Club of Southern California is an AAA affiliate, most Wawanesa policyholders might be moved over to AAA policies in the future.
American Family consistently receives strong customer satisfaction ratings for its home and auto insurance policies. It’s also more widely available than Wawanesa, which could be ideal for those who plan to relocate.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Wawanesa a good insurance company?
At Bankrate, our editorial team of experienced insurance professionals is committed to helping consumers make the best coverage decisions. As a super-regional carrier, Wawanesa is not going to be an option for most. Additionally, the lack of a mobile app and limited website capabilities may be a drawback for those who want digital policy management. Wawanesa still primarily operates through local independent agents. However, those who own a home or have a car registered in California may appreciate Wawanesa’s extensive add-on coverage options and bundling opportunities.
What are real-life customers saying about Wawanesa?
Word of mouth can be one of the best ways to determine how customers feel about their insurance company. Customer reviews and discussions on online platforms like Reddit and Trustpilot can give you helpful insight into the kind of service you may receive from your potential carrier. While Reddit allows users to post questions and discuss any topic regarding a company, Trustpilot's format permits users to post a review and the carrier can publicly reply; there isn't an option for additional comments or feedback from other users.
One thing to remember when reviewing online forums is that consumers usually post about an experience that is exceptionally good or unusually bad. It is the combination of consumer feedback, official customer satisfaction and financial strength ratings, reviews from industry experts and your personal interactions with a company that will help you feel confident about your choice of insurance company.
Reddit
Due to the regional availability of Wawanesa, there aren't too many conversations about this company on Reddit. After a thorough review of posts spanning several years, the common consensus is that customers are unhappy with the recent premium increases — which are happening with most insurance companies, not just Wawanesa. Comments from many users state they have been with the company for several years, but there aren't many comments regarding coverage or customer service.
Reddit user 1*
Aug 7, 2024
Long-term policyholder
“I've been with Wawanesa for over 26 years, added my wife to the policy after we were married. We have two PHEV, full coverage and the current rate is $1254 /6 months. We never had any major accident. The closest one I had was about 10 years ago someone bumped into my back at a red light and all I had to do was a paint job for my rear bumper. So I'm not really sure how good this company is in terms of filing a claim.”
The Wawanesa reviews from Trustpilot differ from Reddit, with the majority of users unhappy with the claims process and payout amounts. While there are few company reviews — most of them being over a year old — the major sticking point aside from claim experience is the level of service. Something to note is that while the newer reviews skew towards the negative, they are from users based in Canada, not California. The reviews from California users tend to be from 2022 and earlier, but are much more optimistic about their experience with customer service and claims.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Wawanesa company details
Whether you are thinking about joining Wawanesa or just need to make some policy updates, here is the primary contact information to help you start or manage your policy:
Customer service: 1-800-640-2920
Claims: 1-888-WAWA-CLAIM (929-2252)
Roadside assistance: 1-855-WAWA-TOW (929-2869) can be called 24/7 or by filling out an online form.
Email: New customers can email insure.us@wawanesa.com, while existing customers can email service.us@wawanesa.com.
State availability
For U.S. residents, Wawanesa is only available in California. While there are still some active Oregon policies, Wawanesa is no longer accepting new businesses in other states.
Wawanesa tools and benefits
In addition to home and auto insurance, Wawanesa also offers the following insurance products:
Renters insurance: As a renter, you’ll likely need to consider insurance for your own belongings, as your landlord’s policy does not insure them. Liability coverage is also provided through renters insurance. You can get a discount on this type of policy if you live in a gated community or secured building.
Condominium insurance: Condo owners typically purchase insurance to cover the interior of their units. As of October 2024, Wawanesa has stopped issuing new condo insurance policies while it “makes some important changes to serve you better.” Customers who already have a policy can continue to file claims.
Pet insurance: Wawanesa partnered with Spot to offer pet owners accident and illness coverage to care for their pets. Policyholders can use any vet in the U.S. and may get up to 90 percent cash back on their vet bills for qualifying visits.
Frequently asked questions about Wawanesa
Wawanesa customers can file a home insurance and auto insurance claim online, including glass, but will need their policy number to do so. If this is not available, the company recommends contacting its claims hotline at 1-888-929-2252 instead. Roadside assistance can also be requested online or through its separate phone number at 1-855-929-2869.
Wawanesa regularly donates to charities supporting causes like health, education and arts and culture. It encourages employees to take part, as well. In September 2021, to celebrate its 125th anniversary, Wawanesa employees were given $125 to donate to a charity of their choice. In addition, employees were able to nominate another organization to be one of 16 that would receive $12,500 from Wawanesa. All in, Wawanesa was able to donate $700,000 to community nonprofits located in Canada and the United States. This was an additional amount added to the $3.5 million that Wawanesa had given to its partner charities for the year.
In the U.S., Wawanesa only offers auto, home, condo, renters and pet policies in California. It used to offer coverage in Oregon, but stopped issuing new policies in 2023. Existing Oregon policyholders were not impacted by this change. Wawanesa Life only offers life insurance and other financial products in Canada, the home base for Wawanesa’s parent company, The Wawanesa Mutual Insurance Company of Canada.
Wawanesa General was acquired by the Automobile Club of Southern California (an AAA affiliate). The sale became final in March 2024. According to the insurance carrier, no changes have been made to policyholders’ coverage or discounts.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Wawanesa
Wawanesa has 50 reviews
Dive into community reviews below and see what others think about Wawanesa.
4.1
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
78% of consumers recommend this insurer
Score breakdown
5 stars
48%
4 stars
30%
3 stars
12%
2 stars
6%
1 star
4%
Score by category
Overall rating4.1 / 5
Original cost3.8 / 5
Coverage4.1 / 5
Customer Support4.1 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Wawanesa.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I live in California not many choices are in the state
Insurance Type
Auto
Score by category
Original cost1/ 5
Customer Support1/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It gives enough of what’s needed
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Because they have people who actually care about you
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support2/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The premiums were more reasonable. They are far more customer friendly and less stingy than other companies
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Wawanesa is the best insurance provider after all of the research I’ve done so I chose them
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Reference & Word of Mouth.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The price seemed reasonable and the process seemed very simple
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Anything really I mean I have no problem with anything really but the people could be nicer to others and not be so mean
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It was basically the price, since they offered better deal than others I've looked into.
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Edited by
$2,316
